LTV · monthly repayment
▼ 0.50% · 3.625%
HK$83,225
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,814
−HK$2,630/mo
Today · 4.125%
HK$88,444
baseline
▲ 0.50% · 4.625%
HK$93,826
+HK$5,382/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$176,888/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,587
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,070
−HK$2,519/mo
Today · 4.125%
HK$97,589
baseline
▲ 0.50% · 4.625%
HK$102,734
+HK$5,145/mo
Deposit HK$18.25M · loan HK$18.25M · min. income ≈ HK$195,178/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,870
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$102,977
−HK$3,156/mo
Today · 4.125%
HK$106,133
baseline
▲ 0.50% · 4.625%
HK$112,591
+HK$6,458/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$212,266/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,105
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$114,084
−HK$3,023/mo
Today · 4.125%
HK$117,107
baseline
▲ 0.50% · 4.625%
HK$123,280
+HK$6,173/mo
Deposit HK$14.60M · loan HK$21.90M · min. income ≈ HK$234,214/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,515
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,140
−HK$3,682/mo
Today · 4.125%
HK$123,822
baseline
▲ 0.50% · 4.625%
HK$131,356
+HK$7,534/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$247,644/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,622
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,099
−HK$3,526/mo
Today · 4.125%
HK$136,625
baseline
▲ 0.50% · 4.625%
HK$143,827
+HK$7,202/mo
Deposit HK$10.95M · loan HK$25.55M · min. income ≈ HK$273,250/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,805
−HK$9,395/mo
▼ 0.25% · 3.875%
HK$154,465
−HK$4,735/mo
Today · 4.125%
HK$159,200
baseline
▲ 0.50% · 4.625%
HK$168,887
+HK$9,687/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$318,400/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,657
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$171,127
−HK$4,534/mo
Today · 4.125%
HK$175,661
baseline
▲ 0.50% · 4.625%
HK$184,920
+HK$9,259/mo
Deposit HK$3.65M · loan HK$32.85M · min. income ≈ HK$351,322/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,551,174 · Scale 2, in force from 26 Feb 2026)